改革开放以来,我国保险业加速发展,取得一些成绩,在背后,寿险保险业深层次发展问题逐步暴露,寿险市场信用体系不完善及信息共享制度不充分,加之道德风险和逆选择等问题,增加了寿险公司经营风险。如何避免使寿险业对加快和完善社会保障体系建设做出贡献。本文基于博弈论,借鉴信息技术,公共政策等观点,提出“文化博弈”构想。 Since the reform and opening up, China’s insurance industry has accelerated its development and achieved some success. Behind the scenes, the deep-seated development of the life insurance industry has gradually been exposed. The imperfect credit system in the life insurance market and the information sharing system are inadequate. In addition to such problems as moral hazard and adverse selection, Life insurance company operating risk. How to avoid making the life insurance industry contribute to speeding up and improving the social security system. Based on game theory, learning from information technology and public policy, this paper proposes the concept of “cultural game”.